Credit Risk Manager – SME Lending

About us

Specialized, disciplined, and driven by measurable growth across every engagement.

Ektis, founded in 2025, is a financial services consulting firm built on decades of combined industry experience. Our diverse team of specialists brings deep sector expertise across the regional financial ecosystem, enabling us to turn complex challenges into practical, high-impact solutions.

As an expert-led, boutique firm, we operate as an extension of our clients - partnering closely with financial institutions to translate ambition into measurable progress. We focus on building enduring internal capability and applying creative problem-solving that delivers lasting impact.

Our approach integrates real-world insights with strategic thinking and disciplined execution. We define objectives with precision, map the pathways required, and deliver outcomes that work in practice - not just in presentation decks. Every deliverable is designed to be actionable, professional, and reflective of the capability and results our clients aim to achieve.

Our Vision

Redefining financial services consulting for a new era - accelerating ideas, deepening execution, and driving outcomes that matter.

Our Mission

We partner with financial institutions to turn ambition into measurable results. Guided by our entrepreneurial spirit, we integrate with client teams and combine strategic clarity, disciplined execution, and creative problem-solving to deliver lasting impact and build capabilities that endure

Secondment Purpose

To provide senior credit risk support to the Credit Risk team for a six-month period across the SME lending portfolio, covering secured, unsecured, and program-based lending. The secondee will lead credit assessments of complex and higher-value cases, oversee program-lending criteria and performance, drive portfolio monitoring, and contribute to policy reviews to safeguard asset quality while supporting responsible business growth. The role is a fixed-term assignment and does not carry permanent product or P&L ownership.

Key Responsibilities

• Credit Assessment

Assess and adjudicate SME credit applications within delegated authority, including complex and higher-value cases.

Provide credit recommendations and risk commentary, and act as a senior reference point for the team.

• Program-Based Lending

Oversee SME program-based lending: review eligibility criteria, scorecards, and decisioning rules.

Monitor program performance against approved risk appetite and recommend adjustments to criteria or limits.

• Portfolio Monitoring

Own monitoring of portfolio performance, early-warning indicators, and concentration/limit exposures.

Oversee preparation of credit risk reports and present findings to senior management.

• Policy & Process

Review and recommend enhancements to SME lending credit policy and procedures.

Ensure lending decisions align with internal frameworks and regulatory requirements.

• Stakeholder Engagement

Partner with business, product, and legal teams to resolve credit matters and shape sound lending outcomes.

Lead ad-hoc risk analysis and portfolio reviews, and support coaching of junior credit staff where needed.

Candidate Profile

• Bachelor’s degree in Finance, Economics, Business, or a related discipline.

• 8–10 years of banking experience, including substantial credit risk or SME / commercial lending experience.

• Credit and financial statement analysis.

• Sound understanding of SME lending products and risk across secured, unsecured, and program-based lending.

• Strong analytical thinking and attention to detail.

• Proficiency in Excel and reporting tools.

• Good written and verbal communication; able to work across teams.